Concerns raised about repossession.

A. Depending upon individual circumstances it can usually be done within a few short days, remember the more notice we get the more likely it is that we can help. Contact us now.

Q. Will I have to pay court costs?

A. Probably. If your lender or freeholder starts court action against you, you are likely to have to pay their legal costs as well as your own. These can be expensive if they have used a solicitor. Get advice if this happens.

Q. The court have given me a date to attend a hearing, what do I do now?

A. You should make every effort to attend the hearing, it is at this hearing the lender can get permission to apply for a repossession order. If you unable to attend the hearing, write to the court state your position and what you would like to do.The court is unlikely to grant a repossession order at the first hearing, they are more likely to grant a suspended order.

Q. What is a suspended repossession order?

A. A suspended repossession order is granted if the judge thinks that the claimant is entitled to repossess your home, but not immediately. This means you have agreed with the lender to reduce your arrears, you must abide with the courts ruling and keep to the repayment schedule. Even if you miss one payment, the lender can apply for a repossession order, if this happens the court will probably take the side of the lender.

Q. Should I have a solicitor or representative to attend court?

A. You do not have to have a solicitor, they are expensive you would be better off paying that money off your arrears. Some citizen’s advice bureaus may have a representative services, and in some courts debt councilors are available at repossession hearings, when you arrive at court ask the usher about this.

Q. What is a possession order?

A. An outright possession order means you won’t have the right to live in your home after the date given in the order, usually28 days if you have not left the property by this date the lender will apply to the courts for a possession warrant. After the warrant has been granted, the bailiffs will contact you explaining the warrant and telling you the date and time of eviction. At this stage it’s not to late to make an offer towards the arrears you can apply to suspend the warrant.

Q. What happens if I hand the keys back, will my debt be written off?

A. If you can't pay your mortgage, you may want to leave and give your keys to your lender (voluntary repossession), it's not advisable to do this without getting independent advice first. You will continue to be responsible for your mortgage until your lender sells your home, even though you are no longer living there. , and the costs involved in selling the property. Costs incurred in the sale:- Locksmith, surveyor, estate agents, utility bills and solicitors fees for the repossession and the sale.

Q. Do you charge for your service ?

A. No If you agree with us to a solution we offer , then we will cover all the costs involved.